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Heritage Financial Corporation (HFWA) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Heritage Financial Corporation

HFWAMarket cap $1.13BPrice $27.7

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community banks across Washington and Oregon, offering deposits, loans, and wealth management to local families and small businesses. Keeps overhead low by sticking to old-school relationship banking instead of chasing flashy fintech trends.

In Bastion Portfolios?

52W Return+30%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-1%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+16%–

Rev CAGR (5y)+11%8

Earnings Forecast

EPS Growth Y+1+16%8

EPS Growth Y+2+16%8

EPS Growth Y+3+7%6

Quality

Margins

EBIT Margin0%4

Net Income Margin26%9

Free Cash Flow Margin27%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE8%4

ROA1%3

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)108

P/BV1.09

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%7

Dividend Yield3.6%8

Momentum

Short term

1 month return-5%5

3 month return-5%5

YTD return+20%7

Mid term

Price vs 52wHigh89%8

1 year return+20%7

Long term

3 year return+88%7

5 year return+30%5

Risk Shield

Price Risk

Beta0.76

Volatility27%8

Free Cash Flow

Free Cash Flow Margin27%9

Free Cash Flow Yield0.0%7

Quality

ROCE10%3

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

HFWAHeritage Financial

Revenue FY25$244M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+16%–

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+16%8

EPS growth, FY27E+16%8

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 16%/yr over the next 3 years, ahead of most of the market.8/10

After shrinking over the last 3 years, revenue is set to grow 16%/yr from here.

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 16%/yr vs revenue 16%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE60 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-5%5

YTD return+20%7

MID & LONG-TERM▾SCORE

% of 52-week high89%8

1-year return+20%7

3-year return+88%7

5-year return+30%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 20% over the past year, but 11% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+20%).

WATCH

Average long-term results. Multi-year returns are middling (+88% over three years and +30% over five), roughly average for the market.

Returns sit at the market level over the past month (-5%) and over three months (-5%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Heritage Financial Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

HFWAHeritage Financial

Revenue FY25$244M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+16%–

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+16%8

EPS growth, FY27E+16%8

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 16%/yr over the next 3 years, ahead of most of the market.8/10

After shrinking over the last 3 years, revenue is set to grow 16%/yr from here.

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 16%/yr vs revenue 16%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE60 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-5%5

YTD return+20%7

MID & LONG-TERM▾SCORE

% of 52-week high89%8

1-year return+20%7

3-year return+88%7

5-year return+30%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 20% over the past year, but 11% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+20%).

WATCH

Average long-term results. Multi-year returns are middling (+88% over three years and +30% over five), roughly average for the market.

Returns sit at the market level over the past month (-5%) and over three months (-5%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Heritage Financial Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community